Purchasing auto insurance in Alaska is not a simple affair. Several crucial and minute factors are involved in it. One of them is the cost of the insurance policy and the deductibles that you would be paying. Most of the auto insurance companies offer discounts to their clients. Further, the quotes would vary from person to person, depending on the driving history of the person, the type of vehicle, the number of additional persons listed on the policy, and the policy limits. Hence, it is necessary to learn a few tips as to how you could obtain a cheap quote on your auto insurance policy.
Single Insurance Company
It is always advisable to purchase all your insurance policies from a single company. This would include your self policy, your auto policy, and your home policy, etc. When a person buys all the policies from the same insurance company, normally insurance companies offer discounts up to 15% on these policies. You would also be avoiding the need to deal with multiple insurance companies when you make a claim or renew the policies.
Opt for higher deductibles
The deductible amount is the amount that you would be paying to the insurance company, so that your claim would be immediately cleared. If you agree to pay a higher deductible, the insurance company would automatically reduce your insurance premium rate. Hence, it is wise to go in for a higher deductible when you purchase your auto insurance.
The insurance company would inspect your vehicle before it offers a policy quote to you. During the inspection, it would pay extra attention to the condition of the car, the make and model of the car, and the safety devices installed in the car. If seat belts are provided in the car, you would get a lower quote, while the absence of the seal belts would result in an increased policy quote.
Just like safety discounts, insurance companies offer substantial security discounts for security devices installed in the car like anti-theft device, burglar alarm, etc.
When you apply for auto insurance policy, you would be required to provide detailed information about you and the car. One of them would be about the average distance you would be driving the car every day. If you had stated that you would be driving only a limited distance each day, then the insurance company would offer you low mileage discount, since lesser mileage means lower wear and tear, and subsequently lesser maintenance costs for your car.
Other Miscellaneous Auto Insurance Discounts
Majority of the Alaska auto insurance companies offer a few other discounts like military discount, senior citizen discount, good driving record discount, student discount, etc. Hence, you should obtain the details of the various types of discounts from the insurance company and study them carefully. You would also do well to get these discount offers from more than one insurance company and compare them to find out which is most beneficial. Other steps like buying low cost vehicles, better credit rating, etc. would also lower your insurance premium payment.